When people imagine retirement, they often picture beaches, golf courses, or caravanning adventures. But once the novelty wears off, many retirees face a quieter question: Now what? In this episode, Nathan and Jordan talk about the reality of retirement beyond the finances—how it affects your sense of self, your relationships, and how you spend your days.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Being appointed as someone’s Power of Attorney can feel like an honour—but it’s also one of the most legally and emotionally complex roles you can take on. In this episode, Nathan and Jordan dive into what it really means to manage another person’s finances, especially when that person is vulnerable or in care.

They unpack the tricky balance between honouring someone’s wishes, acting in their best interests, and avoiding conflicts of interest.

With real-world examples, including the emotional toll of family care, they highlight the grey areas where good intentions can land people in hot water. Whether you’re already in this role or helping someone prepare for it, this episode will help you navigate the responsibility with clarity and care.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Divorce isn’t a single step—it’s a process with emotional, legal, and financial components. In this episode, Nathan and Jordan unpack the Australian divorce process, from the administrative end of a marriage to the tricky world of dividing property and co-parenting. They explore DIY agreements, mediation, collaborative divorce, and litigation, highlighting where financial advice fits in along the way.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

Supporting your adult children financially can feel like the right thing to do—especially when the world feels harder for them than it was for you. But how do you help without sacrificing your own security, peace of mind, or retirement plans?

In this episode, Nathan and Jordan dive into one of the most emotionally loaded topics they encounter in client conversations: helping the kids. They explore the important questions many people skip over—Should you help? Can you afford to? How do you do it fairly and safely?—and guide you through the planning and communication needed to make clear, confident decisions.

From guilt and family roles to loan agreements, gifts, and guarantor arrangements, this episode is full of real-life insights and gentle prompts to help you reflect on your own position. If you're a parent navigating rising house prices, HECS debt, or adult kids living at home, this one’s for you.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

When most people think about estate planning, they think about the will. But the truth is, your will might not control as much as you think — especially if you’re in a blended family, second relationship, or own assets jointly.

In this episode, Nathan and Jordan unpack the most common traps they see when clients assume their will handles everything. They explore key issues like the difference between joint tenants and tenants in common, the implications for your family home, and how to protect a surviving partner while still honouring your wishes to children from previous relationships.

They also dive into the surprisingly tricky role of superannuation — which doesn’t automatically follow your will — and what happens when both spouses pass away together (hint: who’s younger can matter more than you think).

Plus, they explain what it means to “consider” someone in your will, and why leaving someone out without care can lead to legal challenges.

Whether you're planning your estate or helping a parent navigate theirs, this episode is packed with insights and practical tips to help you get clear on what’s really in your will — and what isn’t.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

What happens when your mum or dad needs residential aged care—but they don’t own a home or have any savings? It’s a situation that many Australian families face, and it can feel overwhelming. In this episode of Weaving Gold, Nathan Fradley and Jordan Vaka unpack how the aged care system supports people with limited means and what you need to know to make sure your parent gets the care they deserve—without financial panic.

We start with a common question: Can Mum afford care when she’s got no assets? Nathan explains how the Australian aged care framework is designed to ensure everyone has access to residential care, regardless of their wealth. If your parent has less than around $60,000 in assets and no home, they may qualify as a “low means” fully supported resident—which means the government covers most major costs, including accommodation and means-tested care fees.

But that doesn’t mean it’s completely free. Daily care fees (around $60/day) still apply, and optional extras like Foxtel, better food, and activities can push costs higher. Jordan and Nathan discuss what’s realistic for families on a tight budget—and how to make the most of what your parent has left in their pension.

We also tackle one of the most emotionally complex scenarios: what happens when one parent goes into care, but the other stays home? Known as “illness-separated couples,” this is a tricky but common situation, especially when the couple owns a home but has little else. You’ll learn how the “protected person” status can exempt the family home from asset assessments—and how to ensure your parent doesn’t lose support even if finances change down the track.

Along the way, Nathan shares practical advice on navigating Centrelink, filling out the right forms, and making sure aged care admissions staff are looped in at the right time. Plus, they discuss the emotional toll this transition takes on both ageing parents and their adult children, and how maintaining financial dignity—like having a bit of money left for internet access or coffee outings—can make a world of difference.

Whether you’re preparing for this stage or facing it right now, this episode offers clear, compassionate guidance on how to move forward with confidence.

Who this episode is for:

• Adult children supporting ageing parents with limited assets

• Families renting in retirement or asset-rich but cash-poor

• Anyone confused by aged care fees, Centrelink, or the low means threshold

Takeaways:

• What qualifies someone as “low means” in aged care

• What fees are still payable (and which aren’t)

• How to protect the family home in assessments

• The difference between fully supported, partially supported, and full-fee paying residents

• Why submitting the right forms to Centrelink matters

If you found this helpful, please share the episode with family or friends going through similar challenges. And if you’ve got questions or want us to cover a specific topic in aged care or retirement, visit weavinggoldpodcast.com or follow us on LinkedIn, TikTok, Facebook or Instagram.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode of Weaving Gold, Nathan Fradley and Jordan Vaka explore a powerful framework for thinking about money—not just as numbers in a bank account, but as resources flowing through four distinct dimensions of life.

Whether you're running a business, supporting adult children, planning for retirement, or feeling the pull to give back, this conversation introduces the idea of seeing your wealth through four "buckets":

1. Personal wealth – your income, savings, superannuation, and financial safety net.

2. Business wealth – the money inside your business or practice, which may be tightly linked to your identity and daily decisions.

3. Family wealth – the funds you use to support others, often adult children or ageing parents.

4. Philanthropic wealth – charitable giving, donations, or broader contributions to community and causes you care about.

Nathan and Jordan explain how failing to separate these areas can lead to unintended consequences—like overcommitting to your business and neglecting your retirement plan, or helping children too early and compromising your own financial security. They share real-world stories from the advice profession, highlight common traps, and offer strategies to realign decisions with your values.

This episode is especially relevant for women aged 50–70 who are at the crossroads of caring for others while planning for themselves. It’s easy to fall into the habit of putting others first—but without a clear view of your own financial wellbeing, even generous actions can create stress or long-term regret.

Key themes explored in this episode include:

• Why money in your business isn’t necessarily your money

• How to help your kids without becoming financially vulnerable

• The role of trusts and structures in family wealth planning

• How philanthropic giving fits in—without waiting until retirement

• The difference between lived values and aspirational values in financial decision-making

Nathan and Jordan also reflect on how money can be a tool for alignment—helping you live in line with the kind of person you want to be. By reviewing your wealth through this four-pillar lens, you can get clearer on where you stand, what needs attention, and how to be more intentional with every financial choice you make.

If you’re someone who’s been asking: “Am I doing the right things with my money?”—this episode is a helpful reframe.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.

In this episode, Nathan Fradley and Jordan discuss the complexities of asset division during divorce, emphasizing the importance of understanding the negotiation process, maintaining empathy, and focusing on individual needs rather than strict percentages.

They explore how to approach asset division thoughtfully, considering both financial and emotional aspects, and provide practical advice for navigating this challenging time.

Nathan:

advice@nathanfradley.com.au

www.nathanfradley.com.au

Jordan:

jordan@planningsolo.com.au

www.planningsolo.com.au

The information contained in this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Jordan and Nathan are both authorised representatives of PlanningSolo Licensing, AFS Licence 526143.